Data value routing system and method

Abstract

A disclosed method includes a data distribution computer receiving a data packet comprising a plurality of data values in response to an interaction between a resource provider and a user. The data distribution computer can then determine a data item for each data value of the plurality of data values and associate each data value to a processing computer using the data item for each data value. It can generate a plurality of authorization request messages comprising at least one data value. It can then transmit the plurality of authorization request messages to a plurality of processing computers adapted to process the data values in the respective authorization request messages, where the plurality of processing computers process the data values in the respective authorization request messages. The plurality of authorization request messages are subsequently forwarded to the authorization computer. The authorization computer then analyzes each authorization request message.

What is claimed is: 
     
       1. A method comprising:
 receiving, by an authorization computer, a plurality of authorization request messages from a plurality of processing computers, the plurality of authorization request message associated with an interaction; 
 analyzing, by the authorization computer, each authorization request message to authorize or decline the interaction; 
 generating, by the authorization computer, one or more authorization response messages based on the respective analysis of the plurality of authorization request messages, wherein each authorization response message corresponds to one of the authorization request messages; and 
 transmitting, by the authorization computer, the one or more authorization response messages to one or more of the plurality of processing computers, 
 wherein the plurality of processing computers receive the plurality of authorization request messages from a data distribution computer, where the data distribution computer receives a data packet from an access device, the data packet comprising a plurality of data values in response to the interaction, which is between a resource provider and a user, wherein the plurality of processing computers are adapted to process the data values in the respective authorization request messages, wherein the plurality of processing computers process the data values in the respective authorization request messages, and 
 wherein the data distribution computer determines a data item for each data value of the plurality of data values, associates each data value to a processing computer in the plurality of processing computers using the data item for each data value, and generates the plurality of authorization request messages, each comprising at least one data value. 
 
     
     
       2. The method of  claim 1 , wherein the plurality of processing computers receive the one or more authorization response messages, and transmit the one or more authorization response messages to a distribution computer. 
     
     
       3. The method of  claim 1 , wherein the one or more authorization response messages comprise a plurality of authorization response messages, which are transmitted to the plurality of the processing computers. 
     
     
       4. The method of  claim 1 , wherein the authorization computer determines a user account associated with each authorization request message based on at least one data value. 
     
     
       5. The method of  claim 4 , wherein the interaction is a transaction. 
     
     
       6. The method of  claim 1 ,
 wherein the data item includes a biometric template, a phone number, product data, a name, user credentials, a security code, a location access code, a physical address, a location, an IP address, an email address, a user identifier, and/or a device identifier. 
 
     
     
       7. The method of  claim 1 , wherein the authorization computer is an issuer computer. 
     
     
       8. The method of  claim 1 , wherein each authorization response message comprises an indicator which indicates that the corresponding authorization request message is approved. 
     
     
       9. The method of  claim 1 , wherein each authorization response message of the one or more authorization response messages comprises a data header. 
     
     
       10. The method of  claim 1 , wherein each authorization request message comprises an amount. 
     
     
       11. The method of  claim 1 , wherein each authorization request message comprises a token or a primary account number. 
     
     
       12. The method of  claim 1 , wherein each authorization request message comprises a primary account number. 
     
     
       13. A system comprising:
 a plurality of processing computers; and 
 an authorization computer in communication with the plurality of processing computers, the authorization computer comprising, 
 a processor, and 
 a computer readable medium, the computer readable medium comprising code, executable by the processor for performing a method comprising, 
 receiving, by the authorization computer, a plurality of authorization request messages from the plurality of processing computers, the plurality of authorization request message associated with an interaction, 
 analyzing, by the authorization computer, each authorization request message to authorize or decline the interaction, 
 generating, by the authorization computer, one or more authorization response messages based on the respective analysis of the plurality of authorization request messages, wherein each authorization response message corresponds to one of the authorization request messages, and 
 transmitting, by the authorization computer, the one or more authorization response messages to one or more of the plurality of processing computers, 
 wherein the plurality of processing computers are programmed to receive the plurality of authorization request messages from a data distribution computer, where the data distribution computer receives a data packet from an access device, the data packet comprising a plurality of data values in response to the interaction, which is between a resource provider and a user, wherein the plurality of processing computers are adapted to process the data values in the respective authorization request messages, wherein the plurality of processing computers are programmed to process the data values in the respective authorization request messages, and 
 wherein the data distribution computer is programmed to determine a data item for each data value of the plurality of data values, associates each data value to a processing computer in the plurality of processing computers using the data item for each data value, and generates the plurality of authorization request messages, each comprising at least one data value. 
 
     
     
       14. The system of  claim 13 , the plurality of processing computers are further programmed to receive the one or more authorization response messages, and transmit the one or more authorization response messages to a distribution computer. 
     
     
       15. The system of  claim 13 , wherein the authorization computer is an issuer computer. 
     
     
       16. The system of  claim 13 , wherein each authorization request message comprises an amount. 
     
     
       17. The system of  claim 13 , wherein each authorization request message comprises a primary account number. 
     
     
       18. The system of  claim 13 , wherein each authorization request message comprises a primary account number or a token. 
     
     
       19. The system of  claim 13 , wherein the interaction is a payment transaction.